Tis’ the Season for Credit Reports

Credit Reports CheckEveryone knows (and loves) that classic Christmas tune “Santa Clause is Coming to Town” “He’s making a list, he’s checking it twice, he’s gonna find out if you’re naughty or nice…

Well there’s a new rendition on the block and it goes something like this, “You’re pulling your reports, and checking them twice, if they’re not reporting correctly you better seek legal advice…”

Ok, maybe it isn’t as catchy as the original Santa Clause version, but the sentiment is still true. The holidays are a time of great celebrating, and also, traditionally, a time of great spending. While it is easy to get caught up in the joy of the season, make sure not to forget the things that stay with you even after the snow melts and the last sprinkled cookie is eaten.

Believe it or not, your credit reports are an important part of the holiday aftermath. Many people do their shopping for holiday gifts and goodies on credit. And when those payments come due and you start paying off your holiday credit card balances, make sure those payments are accurately reflected. Keep clear, written records of your payments because even though the season is bustling, your finances shouldn’t be puzzling. Then, if you do find an error, you can easily dispute it using your proof of payment(s). Santa couldn’t possibly keep track of all the little boys and girls and their gifts without keeping a detailed list of who gets what, when and where. Take a page out of Santa’s book and do the same with your accounting and payments.

If you don’t already routinely check your credit report, after the holidays is a great time to start. At McCarthy Law, we can help you obtain your free annual credit reports using an easy to follow step-by-step guide. Annualcreditreport.com allows you to pull your TransUnion, Experian and Equifax reports directly from the bureaus for free every 12 months. While there are other credit monitoring services out there that can assist you on a more regular basis, reviewing your reports straight from the source is the best way to go. Annualcreditreport.com is an extremely useful tool that everyone should take advantage of to help ensure their credit reports are true and accurate.

If you pull your credit reports and find an error on one of your accounts, reaching out to McCarthy Law is the next step to take. At McCarthy Law, we have a team of dedicated and caring attorneys and staff who will help assist you in the removal of harmful credit reporting errors. Don’t let an error take away from your holiday glow. Contact us today for a free evaluation of your credit report. And, it doesn’t stop there – not only do we evaluate your reports for free, but we also help you remove those pesky errors for free! That’s right! At McCarthy Law we are truly on a mission to eradicate credit reporting errors so each and every consumer can live in peace. Give us a call today at 1-855-867-2121, or you can visit our website “Credit Report Errors Page” at . Wishing you a safe, healthy, happy and error-free holiday from the McCarthy Law team!

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Kevin Fallon McCarthy is the McCarthy Law PLC’s managing attorney and an experienced Phoenix debt attorney. Mr. McCarthy has also worked as general counsel for a large corporation. He has corporate counsel experience in human resource matters, general corporate governance, and union class action litigation.